care tax credit part of the middle-class task initiative. this all has to pass, of course, through this year. but if it goes through, that's up to $3,000 tax credit for child care costs. as you know it's very, very expensive in this country. >> sure. >> if you have two kids up to $6,000. for the elderly not necessarily a tax credit reduction but it is to help your cost expenses. >> you said tax credit and deduction. what's the different? >> very different. a tax credit is that when you get that bill, let's say you owe $3,000, get $1,000 tax credit now you owe $2,000. we love credits. always want a credit and there's lots now. deduction, say you make $50,000. you deduct, let's say $1,000 deduction now you make 49 and get taxed on the 49 as opposed to the 50. deductions are good but tax credit it's an instant discount. >> how do you feel about those tax softwares, people will go out and get the turbo tax or tax turbo -- whatever it is. >> i used them.